The Murray Bank is a savings bank headquartered in Murray, Kentucky, in business for about 27 years. At the end of Q2 2026 it reported $534.1M in total assets and $476.7M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Murray Bank scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 103rd. Its strongest component is earnings (93/100; 1.82%), and its lowest is loan quality (35/100; 1.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (69 → 60), mostly because the loan quality component weakened by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 74 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 73 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.78% |
| Q3 2024 | 8.69% |
| Q4 2024 | 8.65% |
| Q1 2025 | 8.89% |
| Q2 2025 | 9.03% |
| Q3 2025 | 9.08% |
| Q4 2025 | 9.14% |
| Q1 2026 | 9.56% |
| Q2 2026 | 9.96% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.68% |
| Q2 2026 | 1.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.99% |
| Q2 2026 | 1.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $534.1M | 9.96% | 1.95% | 1.82% | 84.6% |
| Q1 2026 | 73 | $550.9M | 9.56% | 0.68% | 1.99% | 82.1% |
| Q4 2025 | 70 | $548.7M | 9.14% | 0.63% | 1.65% | 81.8% |
| Q3 2025 | 69 | $539.2M | 9.08% | 0.69% | 1.65% | 81.8% |
| Q2 2025 | 69 | $530.5M | 9.03% | 0.69% | 1.62% | 81.2% |
| Q1 2025 | 74 | $515.9M | 8.89% | 0.04% | 1.53% | 80.8% |
| Q4 2024 | 71 | $513.1M | 8.65% | 0.04% | 1.18% | 78.1% |
| Q3 2024 | 71 | $510.5M | 8.69% | 0.04% | 1.09% | 79.2% |
| Q2 2024 | 70 | $496.9M | 8.78% | 0.07% | 1.02% | 77.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
| Magnolia Bank, IncorporatedBank Elizabethtown, KY | 49 out of 100, Below average | $546.3M | 11.0% | 2.02% | vs |
| The Casey County Bank, Inc.Bank Liberty, KY | 71 out of 100, Strong | $508.4M | 8.3% | 0.10% | vs |
| West Point BankBank Radcliff, KY | 57 out of 100, Moderate | $560.6M | 8.5% | 0.93% | vs |
| First Community Bank of the Heartland, Inc.Bank Clinton, KY | 56 out of 100, Moderate | $506.0M | 8.1% | 1.07% | vs |
| Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY | 45 out of 100, Below average | $564.9M | 11.1% | 3.20% | vs |
Deposit insurance
Is my money safe at The Murray Bank?
Yes. The Murray Bank is an FDIC-insured institution (FDIC certificate #35161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.8% of deposits ($85.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The Murray Bank lists 3 offices in 2 cities. Most locations:
- Murray, KY (2)
- Hazel, KY (1)
Identity & history
Profile
- Legal name
- The Murray Bank
- Type
- Savings bank
- FDIC certificate #
- 35161
- RSSD ID
- 2819242
- Primary regulator
- OCC
- Holding company
- Banckentucky Inc
- Established
- June 15, 1999
- Headquarters
- 405 S 12th St, Murray, KY 42071
- Website
- www.themurraybank.com
- Employees
- 70
Quick answers
The Murray Bank: common questions
Is The Murray Bank FDIC insured?
Yes. The Murray Bank is an FDIC-insured institution (FDIC certificate #35161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Murray Bank's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Murray Bank ever failed?
There is no failure record for FDIC certificate #35161 in the FDIC failed bank list.
How many branches does The Murray Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Murray
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Holley Credit UnionCredit union Paris, TN | 85 out of 100, Very strong | $105.3M | 13.8% | 0.51% | vs |
| Signet Federal Credit UnionCredit union Paducah, KY | 82 out of 100, Strong | $398.2M | 16.6% | 1.07% | vs |
| Commercial Bank & Trust Co.Bank Paris, TN | 80 out of 100, Strong | $1.1B | 12.1% | 0.15% | vs |
| Foundation BankBank Mc Kenzie, TN | 75 out of 100, Strong | $217.9M | 14.7% | 2.39% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| Main Impact Federal Credit UnionCredit union Murray, KY | 74 out of 100, Strong | $23.3M | 10.5% | 0.03% | vs |